If you have failed to repay your debts on time, you will receive a CCJ. Short for County Court Judgement, this legal ruling can be issued in England, Wales, and Northern Ireland. Unfortunately, this will appear on your credit report and can affect your credit rating for up to six years, having a detrimental impact on your financial history. Although this can make the process of obtaining a loan much more difficult, there are still options available. With We Finance Any Van, your CCJ will not dictate your ability to get behind the wheel.

Will getting approved for car finance with a CCJ help me rebuild my credit?

Being successful in your finance application shows that you are viewed as eligible for credit by the lender, despite the negative mark of a CCJ. Once we’ve helped you through the application process, it’s down to you. Provided you pay your loan back in full and on time, this can be a positive step towards recovering your poor credit score. Failing to meet the deadlines could cause damage to your credit rating and lead to your van being repossessed. In a nutshell, managing your payments responsibly can help you to rebuild your credit over time. Top tip: Circumstances can change and there may be times when you struggle to pay your van finance. The best thing you can do is contact your lender as soon as possible. While every lender will have their own policy on handling missed payments, they will usually be able to help you find a solution. This can include an extension or changing your payment dates.

Van Finance with CCJ

Securing van finance with a CCJ (County Court Judgment) on your record can be challenging. You may have faced rejection from multiple lenders, leaving you feeling like the van of your dreams is out of reach.

At We Finance Any Van, we aim to change that.

Life can be unpredictable, and financial setbacks shouldn’t prevent you from moving forward. That’s why we offer a bad credit van finance service. By partnering with a panel of lenders experienced in handling applications with CCJs, we ensure every applicant has a fair chance.

Feeling uncertain? We’re here for you.

If your credit has taken a hit due to a CCJ, you might be anxious about the application process. Rest assured, we prioritise your protection and strive to make the experience as stress-free as possible. Our lenders begin by conducting a soft search to check your eligibility, so you can have peace of mind knowing that your credit score won’t be affected.

Ready to take the next step?

We offer van finance solutions tailored to a variety of needs. Whether you’ve already picked out your van and need financial support or you’re starting fresh, we’re here to help. Our van search portal features thousands of quality makes/models to explore.

No complex forms or confusing financial jargon—just a simple process. Complete our quick 2-minute online application, and we’ll handle the rest.

Applying for van finance with a CCJ? Here’s what you can expect from We Finance Any Van:

Lenders who specialise in bad and poor credit applicants
No impact on your credit score
FCA-authorised dealers
A friendly team of experts
Consideration of all financial circumstances
End-to-end support
A deal tailored to your budget

Don’t let a poor credit history hold you back—finance your next van with us today.

Have a query about securing van finance with a CCJ? We can help...

Navigating van loans can be complicated, especially with the added challenge of bad credit and CCJs.

Financial difficulties can be overwhelming, but we’re here to lift that burden. Our three-step process is designed to be both quick and secure. With our extensive knowledge of the system, we’re ready to guide you through any obstacles you may encounter.

When dealing with CCJs, staying informed is key. Knowing your limitations and the options available is the first step toward securing the right finance deal.

Still have concerns? Our friendly team is just a phone call away.

What is a CCJ?

A CCJ, or County Court Judgment, is a legal ruling issued in England, Wales, and Northern Ireland when an individual fails to repay their debts on time. This judgement is recorded on your credit report and can impact your credit rating for up to six years. While this can make securing a loan more difficult, there are still options available.

At We Finance Any Van, we believe that a CCJ shouldn’t prevent you from driving the van you need.

Can I get van finance with a CCJ on my credit report?

Yes, you can still obtain van finance with a CCJ on your credit file.

Many lenders shy away from bad credit, but we don’t. We’re committed to helping you find the van that fits your budget, regardless of your financial situation. With our extensive panel of finance providers, we work to secure the best rate for you.

While we can’t guarantee approval, our process ensures a fair review even in challenging cases. Our diverse range of lenders evaluates each applicant individually, considering various credit backgrounds.

Help from a guarantor

If you’re concerned about your CCJ, consider applying with a guarantor. This should be someone with a good credit record, such as a family member or friend, who agrees to cover the payments if you default. Both you and your guarantor need to fully understand the financial responsibilities involved.

Put down a deposit

Although most of our lenders offer no or zero deposit options, putting down a deposit can improve your chances of securing finance. Saving up for a deposit can reduce your loan amount and help you manage repayments more effectively, potentially leading to better terms.

Top tip: Ensure you review your finances to confirm you can meet the finance agreement.

I have a satisfied CCJ on my file – will this make a difference?

A ‘satisfied’ CCJ indicates that you have repaid the judgement in full. This can make you appear more financially responsible to lenders compared to an active CCJ. However, the CCJ will still remain on your file for six years from the issue date, which can impact your credit score.

Despite this, our panel of lenders considers various factors beyond just your CCJ, helping you secure a loan on the best terms available.

Can I get van finance with a CCJ if I am self-employed or have an irregular income?

Securing van finance can be more challenging if you’re self-employed or have an irregular income, especially with a CCJ. However, it’s not impossible.

With around 4.3 million self-employed individuals in the UK, we strive to make van finance accessible to everyone. Our team works hard to help you drive away in your ideal van, regardless of your employment status.

What documents will I need to provide?

We’ve streamlined the application process to make it as straightforward as possible. In addition to standard personal identification, you might need to provide extra documentation to prove you can manage monthly payments. This may include bank statements, tax returns, or invoices.

Can you have a good credit score with a CCJ?

Having a CCJ typically results in a poor credit score. However, if you previously had a strong credit profile, the impact may be less severe.

It’s important to avoid multiple van finance applications in a short period, as these can further harm your credit score. At We Finance Any Van, we use a soft search for initial applications, allowing lenders to review your financial position without affecting your score.

Whatever your credit history, we are dedicated to sourcing you the best deals on the market.

How do I find out if I have a CCJ?

Your credit report will show any active or satisfied CCJs. You can obtain your credit report from major agencies like Experian, Equifax, and TransUnion. Residents of England or Wales can also check for CCJs on the Registry Trust website, which records judgments, orders, and fines.

Will getting approved for van finance with a CCJ help me rebuild my credit?

Being approved for van finance, even with a County Court Judgment (CCJ), demonstrates that a lender views you as eligible for credit. This can be a positive step in rebuilding your credit score, provided you manage the repayments effectively.

Once you’re approved and the loan is in place, it’s essential to stay on top of your repayments. Paying the loan back in full and on time will gradually help improve your credit score. However, missing payments can further damage your credit rating and, in the worst-case scenario, result in your van being repossessed.

Top tip: If you’re facing difficulties with repayments, the best course of action is to contact your lender right away. Most lenders are willing to work with you to find a solution, which may involve extending the repayment schedule or adjusting payment dates to suit your situation.

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About Us

If you are looking for van finance, you are in the right place!

We have years of experience in van finance, a very extensive lending panel & a team set up to get you the van you want at the best finance rate possible. If you have already found a van and just need the finance – great! If you need help finding a van then we are there for you as well – in fact, we have access to over 100,000 vans.

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